How To Invest Your First $100 the Smart Way, According to Jaspreet SinghJaspreet Singh / Jaspreet SinghCommitment to Our Readers GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. Secure Your Financial FoundationSingh suggested focusing on your financial foundation before investing money. You can compare that with the much lower 10% average annual investment return Singh cited, which shows that paying off the cards right away offers a much higher guaranteed rate. Leverage AI To Boost Your IncomeOnce you have that financial foundation set up, then you can consider how to invest that $100. When it comes to how you invest the $100, you can take a passive or an active approach.